Credit Union Safety Analysis
Is S I Philadelphia Federal Credit Union Safe? Philadelphia, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, S I Philadelphia Federal Credit Union has a net worth ratio of 40.03%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, S I Philadelphia Federal Credit Union's net worth ratio is 40.03%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 40.03%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 0.67%
- Loan-to-share ratio (Q2 2026): 1.17%
S I Philadelphia Federal Credit Union (NCUA charter 11783, established 1979) reported $191K in assets and 74 members for Q2 2026 from Philadelphia, Pennsylvania. It ranks 265 of 269 credit unions in Pennsylvania by total assets. Total assets fell 7.7% from $207K on June 30, 2025. It had the same number of members on June 30, 2025. Its net worth ratio was up 2.94 percentage points from 37.09% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $1K of $1K in total loans on its June 30, 2026 filing.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 37.41% for Q1 2026; 37.09% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.76% for Q1 2026; 1.13% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 1.10% for Q1 2026; 3.26% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $1K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $191K | 40.03% | — | 0.67% | 1.17% |
| March 31, 2026 | $203K | 37.41% | — | 0.76% | 1.10% |
| December 31, 2025 | $197K | 38.45% | — | -2.52% | 1.68% |
| September 30, 2025 | $212K | 36.27% | — | 0.43% | 1.50% |
| June 30, 2025 | $207K | 37.09% | — | 1.13% | 3.26% |
| March 31, 2025 | $204K | 37.39% | — | 0.85% | 4.65% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
S I Philadelphia Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 11783) · FFIEC NIC profile (RSSD 823085)
Frequently asked questions
Is S I Philadelphia Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, S I Philadelphia Federal Credit Union's net worth ratio is 40.03%, above the 7% NCUA threshold for well capitalized.
Is S I Philadelphia Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. S I Philadelphia Federal Credit Union is a federally insured credit union (NCUA charter 11783): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are S I Philadelphia Federal Credit Union's key safety ratios?
For Q2 2026, S I Philadelphia Federal Credit Union reports net worth 40.03%, delinquency not reported, ROA 0.67%, loan-to-share 1.17%.
What happens to my money if S I Philadelphia Federal Credit Union fails?
For Q2 2026, S I Philadelphia Federal Credit Union held $114K in shares and deposits for 74 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.